Whole book Refreshed nightly · 02:14 CT
$1,053M · 45,521 loans · 68,410 members
Impact tracker
vs. pre-Kepler baseline · monthly, updated nightlyMonthly · 2026Provisioning avoided
$1.1M
▲ $180K this month · modeled vs. baseline
Analyst hours saved
780
▲ 120 this month · reviews + reporting
Saved before collections
64
▲ 9 members this month · avg 72 days early
Relationship revenue added
$214K
▲ $31K this month · Keep + Grow offers
Book exposure
$1,053M
50% vehicle · 44% dealer-originated
Early-warning flags
128
▲ 12 this week · caught 60–90 days early
Drifting to collections
37
reach before the 60-day letter
Cross-sell ready
412
loan-only members, offer computed
New-member targets
1,860
Fall 2026 student cohort
Today's queue
5 open · 2 due today · Collections, Credit, Indirect, MarketingCall T.W. · payroll stopped, 72 days before predicted delinquency COREOwner: M. Ortiz · CollectionsProtectDue today
Schedule review · Meadowbrook Storage LLC ($1.9M, DSCR trending 1.12×)Owner: S. Pratt · Credit analystProtectDue today
Approve One-Click Loans batch · 412 pre-approved offers staged for tonight's runOwner: J. Beffer · CLOKeepDue Thu
Dealer follow-up · Route 66 Motors · early-warning rate 3× book averageOwner: D. Kim · Indirect lendingProtectDue Fri
Push student campaign · 1,860 Fall-2026 offers readyOwner: MarketingGrowDue Fri
Needs attention this week
Portfolio lenssouring loans caught 60–90 days before delinquency · click a row to open the memberDraft committee memo| Member / credit | Exposure | What Kepler saw | Source | Lead time | Grade | Next action |
|---|---|---|---|---|---|---|
| T.W. · used auto (indirect)Bartlesville · #A-88231 · via Route 66 Motors | $19,700 | Payroll ACH stopped 3 wks · savings drawn to $40 · CBR −41 pts | CORE EXO | 72 days early | Pass → Watch | |
| R.L. · used auto (indirect)Olathe · #A-91177 | $24,300 | Collateral insurance lapsed · 2 NSF this month | +TRUITY | 64 days early | Watch | |
| Meadowbrook Storage LLCcommercial RE · #C-1042 | $1.9M | Operating deposits ↓ 41% QoQ · DSCR trending 1.12× | EXO | 1 qtr early | Watch → Substandard | |
| J.C. · HELOCLawrence · #H-3308 | $48,000 | Draw spike + property-tax delinquency filed | EXO | 55 days early | Pass → Watch |
37 membersflagged before the 60-day letter · 29 assigned in Today's queue · avg lead time YTD: 72 days.
Dealer channel watch
Portfolio lens| Dealer | YTD loans | Early-warn rate | |
|---|---|---|---|
| Route 66 MotorsBartlesville | 212 | 8.9% · 3× book | |
| Prairie Auto GroupOlathe | 341 | 4.1% | |
| Sooner MotorsOKC | 187 | 1.8% |
Indirect originations YTD: 4,120 loans · $96.4M · scorecards refresh monthly · rate sheets reviewed quarterly.
Balance-sheet guard
Transaction lensAlert rule: outflows > $5M/wk or LOC draw > $75M → CFO notified same night.
Early-warning lead time
Portfolio lensavg days early · Monthly · 2026JanFebMarAprMayJun
Jun avg: 72 days early (Jan: 58) · YTD credit-loss expense: $8.6M.